Notice to UMB Cardholders Click here if you recently received a replacement card as a result of a potential compromise.

Basic Card Safety

 

Tips for Cardholders


Card Protection

  • Report lost or stolen cards immediately. Call us at 800.842.8950.
  • Ensure that your card is signed on the signature panel as soon as you receive it.
  • Protect your cards as if they were cash. Do not leave them unattended anywhere, such as in a car, bar, night club or on the beach.
  • Ensure that you get your card back after every purchase.
  • If at all possible, do not let your card out of your sight.
  • Make a record of your credit and debit card account numbers and telephone numbers for reporting lost or stolen cards. Keep that list in a safe place.
  • Know who has access to your cards. If your credit or debit card is borrowed by a family member (spouse, child, parent), with or without your knowledge, you may be responsible for their purchase/cash withdrawal.
  • When your card has become stuck inside of the ATM machine, be suspicious of anyone offering their help, even if they appear to be a bank security officer. Criminals can obtain your PIN by several means (shoulder surfing or straight-forward questioning), then retrieve your jammed card from the ATM and use it to withdraw funds.
PIN Protection
  • Never write down your Personal Identification Number (PIN) — memorize it.
  • Never disclose your PIN to anyone. No one from a financial institution, the police, or a merchant should ask for your PIN. You are the only person who should know it.
  • When selecting a PIN, always avoid the obvious — your name, telephone number, or date of birth, or any combination.

Practices for Safe Care Use
  • Always check sales vouchers including purchase amount when you sign them — keep copies of sales vouchers and ATM receipts.
  • Never give your card number over the phone, unless you are positive you are dealing with a reputable company, or you have initiated the call yourself.
  • Always check your billing statement, especially after a trip. Check the amounts of your purchases against your sales vouchers and receipts — specifically look for transactions which are not yours.
  • An increasing number of cardholders are making purchases over the Internet. Read our Internet Shopping Tips.
  • Do not volunteer any personal information when you use your credit or debit card, other than your ID document which may be requested.
  • When traveling it is advisable that you only take one ATM card and memorize the PIN.